Time Finance is a specialist lender occupying the challenging end of the construction vehicle market - adverse credit, start-up hauliers, grab lorries, and very old assets. Their rates are higher, but they fund cases that others will not touch.
Time Finance Tipper & Grab Lorry Rates - October 2026
| Finance Type | Indicative APR | Term | Min Deposit |
|---|---|---|---|
| HP - standard tipper (used) | 6–11% | 12–48 months | 15% |
| HP - older tipper / grab lorry | 10–18% | 12–36 months | 20–30% |
| Adverse credit - tipper | 12–18% | 12–36 months | 25–35% |
| Start-up haulier - tipper | 12–18% | 12–36 months | 25–35% |
| Finance Lease (where available) | 7–14% | 12–48 months | N/A |
Time Finance's Key Strengths
- Start-up construction businesses with under 12 months trading
- Adverse credit - CCJs (satisfied and unsatisfied) considered
- Very old tippers (15–20 years) where others decline
- Grab lorries, hook loaders, and roll-on roll-off trucks